Share Secured Loans

SHARE SECURED LOANS

Want to borrow money at a low rate? You can borrow against your own money.

You can use the funds for whatever you need; it is up to you. This is a great loan option for someone who prefers a lower rate or is trying to build their credit rating. Since you are borrowing against your own funds, the rate is low. You can also protect your financial well-being with optional debt protection coverage.

Apply 24/7 using our secure loan application.

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Benefits

Borrow up to 95% of your shares or Certificate value
Flexible terms

Share account continues to earn dividends
Optional Debt Protection Program (DPP)

Have questions about a Ridgedale Federal Credit Union Shared Secured loan? Give one of our Loan Officers a call at 973-947-1000 or 862-693-4283 option 2 or stop by our office. We look forward to hearing from you.

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Rates and Disclosures

Shared Secured Loans

Effective Date: 5/2/2025, Rates Subject to Change

Shared Secured Loans	APR
As Low As	2.60%
SHARE SECURE LOAN: APR = ANNUAL PERCENTAGE RATE. ALL APPLICATIONS WILL QUALIFY. ADDITIONAL TERMS & CONDITIONS APPLY. RATE MAY VARY BASED ON TERM AND WHERE THE MONEY IS HELD. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

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